The HFE letter provides flat buyers with a holistic understanding and assessment of their housing and financing options before they commence their home buying journey. It informs flat buyers upfront of their eligibility for a new or resale flat purchases, CPF housing grants and HDB housing loan, including the respective grant and loan amounts. Second-timers will also be advised on the resale levy/premium payable for the purchase of a second subsidised flat from HDB, if they are eligible for one.

You must have a valid HFE letter when you:

1. Apply for a flat from HDB during a sales launch or open booking of flats; or
2. Obtain an Option to Purchase from a flat seller, as well as when you submit a resale application to HDB.

Find out more about the details of the HFE letter.

This information is sourced from HDB